Methods Used to Tighten Commercial Underwriting Standards
(Percent of Tightened Banks)
2003
Covenants
57
Collateral
47
Credit Line
42
Pricing
41
Guarantor
28
Maturity
20
Amortization
14
The Office of the Comptroller of the Currency was created by Congress to
charter national banks, to oversee a nationwide system of banking institutions,
and to assure that national banks are safe and sound, competitive and
profitable, and capable of serving in the best possible manner the banking
needs of their customers.
